STEVENS
ActiveSummary
STEVENS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €10k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 2318 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.41 against 3.21 in 2024; short-term debt: 12.3% and cash: 46.5% of total assets), and 12.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sports, amusement and recreation activities (NACE 93)
about 50% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.7%
Return on assets
10.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
28 d late
2023
16 d early
2022
20 d early
2021
22 d late
2020
19 d early
2019
16 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▲ 14.2%
2024 · €73k
2018: €60k
2019: €57k▼ -4.8% vs 2018
2020: €30k▼ -48.4% vs 2019lowest in 8 years
2021: €50k▲ +68.2% vs 2020
2022: €47k▼ -6.4% vs 2021
2023: €60k▲ +28.5% vs 2022
2024: €73k▲ +22.9% vs 2023
2025: €84k▲ +14.2% vs 2024highest in 8 years
2018 → 2025
Total assets
€96k▼ 0.6%
2024 · €96k
2018: €105khighest in 8 years
2019: €98k▼ -6.1% vs 2018
2020: €56k▼ -42.9% vs 2019lowest in 8 years
2021: €89k▲ +58.6% vs 2020
2022: €90k▲ +1.4% vs 2021
2023: €96k▲ +6.4% vs 2022
2024: €96k▲ +0.3% vs 2023
2025: €96k▼ -0.6% vs 2024
2018 → 2025
Net result
€10k▼ 23.7%
2024 · €14k
2018: €5k
2019: €-3k▼ -155% vs 2018
2020: €-28k▼ -867% vs 2019lowest in 8 years
2021: €20k▲ +173% vs 2020highest in 8 years
2022: €-650▼ -103% vs 2021
2023: €13k▲ +2137% vs 2022
2024: €14k▲ +3.4% vs 2023
2025: €10k▼ -23.7% vs 2024
2018 → 2025
Working capital
€76k▲ 49.8%
2024 · €51k
2018: €10k
2019: €12k▲ +13.0% vs 2018
2020: €-3k▼ -126% vs 2019
2021: €-12k▼ -293% vs 2020lowest in 8 years
2022: €198▲ +102% vs 2021
2023: €24k▲ +12060% vs 2022
2024: €51k▲ +110% vs 2023
2025: €76k▲ +49.8% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€47k▼ 6.4%€60k▲ 28.5%€73k▲ 22.9%€84k▲ 14.2%
2021: €50k
2022: €47k▼ -6.4% vs 2021lowest in 5 years
2023: €60k▲ +28.5% vs 2022
2024: €73k▲ +22.9% vs 2023
2025: €84k▲ +14.2% vs 2024highest in 5 years
Operating result€22k-€5k▼ 77.0%€24k▲ 380%€27k▲ 10.9%€17k▼ 35.8%
2021: €22k
2022: €5k▼ -77.0% vs 2021lowest in 5 years
2023: €24k▲ +380% vs 2022
2024: €27k▲ +10.9% vs 2023highest in 5 years
2025: €17k▼ -35.8% vs 2024
Net result€20k-€-650€13k€14k▲ 3.4%€10k▼ 23.7%
2021: €20khighest in 5 years
2022: €-650▼ -103% vs 2021lowest in 5 years
2023: €13k▲ +2137% vs 2022
2024: €14k▲ +3.4% vs 2023
2025: €10k▼ -23.7% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€8k ▼ 64.2%
Current assets
€87k ▲ 19.2%
Equity and liabilities €96k
Equity
€84k ▲ 14.2%
Debt
€12k ▼ 48.3%
Debt's share of the balance-sheet total falls from 23.7% to 12.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €43k
Cash flow
€25k▼
2024 · €30k
Current ratio
7.41▲
2024 · 3.21
Debt to equity
0.14▼
2024 · 0.31
ROE
12.4%▼
2024 · 18.6%
ROA
10.9%▼
2024 · 14.2%
Interest coverage
33.93▼
2024 · 44.63
Debt ≤ 1 year
€12k▼
2024 · €23k
Income taxes
€8k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€96k€96k▼
Fixed assets21/28€23k€8k▼
Tangible fixed assets22/27€23k€8k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€544€214▼
Furniture and vehicles24€21k€7k▼
Current assets29/58€73k€87k▲
Amounts receivable within one year40/41€32k€42k▲
Trade receivables40€91€270▲
Other amounts receivable41€32k€41k▲
Cash at bank and in hand54/58€36k€44k▲
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€96k€96k▼
Equity10/15€73k€84k▲
Contributions10/11€30k€30k=
Reserves13€44k€54k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€41k€51k▲
Amounts payable17/49€23k€12k▼
Amounts payable within one year42/48€23k€12k▼
Current portion of amounts payable after more than one year42€4k-
Financial debts43€3k€2k▼
Other loans439€3k€2k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€15k€2k▼
Taxes450/3€15k€2k▼
Other amounts payable47/48-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€46k€34k▼
Operating profit (loss)9901€27k€17k▼
Financial income75/76B€692€2k▲
Recurring financial income75€692€2k▲
Financial charges65/66B€970€941▼
Recurring financial charges65€970€941▼
Profit (loss) for the period before taxes9903€27k€18k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€14k€10k▼
Profit (loss) for the period to be appropriated9905€14k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€10k▼
Transfer to equity691/2€14k€10k▼
To other reserves6921€14k€10k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €16k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €22k | €17k | €16k | €15k | ▼ 10.7% |
| Other operating charges640/8 | €4k | €3k | €4k | €2k | €2k | ▼ 21.5% |
| Gross operating margin9900 | €41k | €29k | €45k | €46k | €34k | ▼ 26.0% |
| Operating profit (loss)9901 | €22k | €5k | €24k | €27k | €17k | ▼ 35.8% |
| Financial income75/76B | €35 | €0 | €0 | €692 | €2k | ▲ 187% |
| Recurring financial income75 | €35 | €0 | €0 | €692 | €2k | ▲ 187% |
| Financial charges65/66B | €1k | €1k | €1k | €970 | €941 | ▼ 3.0% |
| Recurring financial charges65 | €1k | €1k | €1k | €970 | €941 | ▼ 3.0% |
| Profit (loss) for the period before taxes9903 | €21k | €4k | €23k | €27k | €18k | ▼ 31.2% |
| Income taxes67/77 | €575 | €4k | €10k | €13k | €8k | ▼ 39.1% |
| Profit (loss) for the period9904 | €20k | €-650 | €13k | €14k | €10k | ▼ 23.7% |
| Profit (loss) for the period to be appropriated9905 | €20k | €-650 | €13k | €14k | €10k | ▼ 23.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €89k | €90k | €96k | €96k | €96k | ▼ 0.6% |
| Fixed assets21/28 | €78k | €56k | €39k | €23k | €8k | ▼ 64.2% |
| Tangible fixed assets22/27 | €78k | €56k | €39k | €23k | €8k | ▼ 64.2% |
| Land and buildings22 | €8k | €6k | €4k | €2k | €1k | ▼ 25.0% |
| Plant, machinery and equipment23 | €2k | €1k | €873 | €544 | €214 | ▼ 60.7% |
| Furniture and vehicles24 | €69k | €49k | €35k | €21k | €7k | ▼ 67.6% |
| Current assets29/58 | €11k | €34k | €57k | €73k | €87k | ▲ 19.2% |
| Amounts receivable within one year40/41 | €3k | €13k | €146 | €32k | €42k | ▲ 29.4% |
| Trade receivables40 | - | €13k | €91 | €91 | €270 | ▲ 198% |
| Other amounts receivable41 | €3k | - | €55 | €32k | €41k | ▲ 28.9% |
| Cash at bank and in hand54/58 | €5k | €17k | €53k | €36k | €44k | ▲ 21.9% |
| Deferred charges and accrued income490/1 | €3k | €3k | €4k | €5k | €1k | ▼ 70.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €89k | €90k | €96k | €96k | €96k | ▼ 0.6% |
| Equity10/15 | €50k | €47k | €60k | €73k | €84k | ▲ 14.2% |
| Contributions10/11 | €30k | €30k | €30k | €30k | €30k | = |
| Reserves13 | €20k | €17k | €30k | €44k | €54k | ▲ 23.9% |
| Non-distributable reserves130/1 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | €3k | €3k | €3k | €3k | €3k | = |
| Tax-exempt reserves132 | €16k | - | - | - | - | - |
| Distributable reserves133 | €1k | €14k | €27k | €41k | €51k | ▲ 25.6% |
| Amounts payable17/49 | €39k | €44k | €36k | €23k | €12k | ▼ 48.3% |
| Amounts payable after more than one year17 | €16k | €10k | €4k | - | - | - |
| Financial debts170/4 | €16k | €10k | €4k | - | - | - |
| Amounts payable within one year42/48 | €23k | €34k | €33k | €23k | €12k | ▼ 48.3% |
| Current portion of amounts payable after more than one year42 | €9k | €6k | €6k | €4k | - | - |
| Financial debts43 | €5k | - | - | €3k | €2k | ▼ 6.2% |
| Credit institutions430/8 | €5k | - | - | - | - | - |
| Other loans439 | - | - | - | €3k | €2k | ▼ 6.2% |
| Trade debts44 | €6k | €2k | €4k | €2k | €4k | ▲ 146% |
| Suppliers440/4 | €6k | €2k | €4k | €2k | €4k | ▲ 146% |
| Advances received on contracts in progress46 | - | €15k | €75 | - | - | - |
| Taxes, remuneration and social security45 | €3k | €11k | €17k | €15k | €2k | ▼ 83.8% |
| Taxes450/3 | €911 | €9k | €14k | €15k | €2k | ▼ 83.8% |
| Remuneration and social security454/9 | €2k | €2k | €3k | - | - | - |
| Other amounts payable47/48 | - | - | €5k | - | €3k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €-650 | €13k | €14k | €10k | ▼ 23.7% |
| + Depreciation and write-downs630 | €15k | €22k | €17k | €16k | €15k | ▼ 10.7% |
| Operating cash flow (approximation) | €35k | €21k | €30k | €30k | €25k | ▼ 16.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €12k | €35k | €-16k | €8k | ▲ 150% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.41
Current ratio from 3.21 to 7.41; short-term debt falls from €23k to €12k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 1.01
Current ratio from 0.48 to 1.01.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Putte · 1 establishment unit since 1992
Ground area
568 m²
Building footprint
441 m²
Volume, LiDAR
2,067 m³
Parcel 12029A0770/00A002, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Mechelbaan 480, 2580 Putte
since 19922.059.659.990
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029A0770/00A002 | Flanders | 568 m² | 1 · 441 m² | 10.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,520 companies in sector 93130 we hold annual accounts for 687. 535 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded14-05-1991
Fiscal year end31-12
Activities, NACEBEL 2025
93130Fitness centres
86951Physiotherapy
Scores and ratios are computed by Checked and are not a credit decision.